The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$28,757
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$29,652
−HK$909/mo
Today · 4.125%
HK$30,561
baseline
▲ 0.50% · 4.625%
HK$32,420
+HK$1,859/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$61,122/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,992
−HK$1,729/mo
▼ 0.25% · 3.875%
HK$32,850
−HK$871/mo
Today · 4.125%
HK$33,721
baseline
▲ 0.50% · 4.625%
HK$35,498
+HK$1,777/mo
Deposit HK$6.31M · loan HK$6.31M · min. income ≈ HK$67,442/mo (50% DSR)
Upfront cash ≈ HK$6.78M (deposit + AVD stamp duty HK$472,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,509
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,582
−HK$1,091/mo
Today · 4.125%
HK$36,673
baseline
▲ 0.50% · 4.625%
HK$38,904
+HK$2,231/mo
Deposit HK$5.04M · loan HK$7.57M · min. income ≈ HK$73,346/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,391
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,420
−HK$1,045/mo
Today · 4.125%
HK$40,465
baseline
▲ 0.50% · 4.625%
HK$42,598
+HK$2,133/mo
Deposit HK$5.04M · loan HK$7.57M · min. income ≈ HK$80,930/mo (50% DSR)
Upfront cash ≈ HK$5.52M (deposit + AVD stamp duty HK$472,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,260
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,513
−HK$1,272/mo
Today · 4.125%
HK$42,785
baseline
▲ 0.50% · 4.625%
HK$45,388
+HK$2,603/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$85,570/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,789
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,990
−HK$1,219/mo
Today · 4.125%
HK$47,209
baseline
▲ 0.50% · 4.625%
HK$49,697
+HK$2,488/mo
Deposit HK$3.78M · loan HK$8.83M · min. income ≈ HK$94,418/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$472,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,763
−HK$3,246/mo
▼ 0.25% · 3.875%
HK$53,373
−HK$1,636/mo
Today · 4.125%
HK$55,009
baseline
▲ 0.50% · 4.625%
HK$58,356
+HK$3,347/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$110,018/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,586
−HK$3,111/mo
▼ 0.25% · 3.875%
HK$59,130
−HK$1,567/mo
Today · 4.125%
HK$60,697
baseline
▲ 0.50% · 4.625%
HK$63,897
+HK$3,200/mo
Deposit HK$1.26M · loan HK$11.35M · min. income ≈ HK$121,394/mo (50% DSR)
Upfront cash ≈ HK$1.73M (deposit + AVD stamp duty HK$472,930 · Scale 2, in force from 26 Feb 2026)